About 2018-07-25T18:58:06+10:00

About Waters Edge

Waters Edge Finance Solutions: a modern take on finance brokerage.

Make An Appointment

Who Is Kerrie?

Hello, I’m Kerrie Watkins. I am an experienced finance broker[1] and I love helping my clients find the perfect loan for their financial needs. I am passionate about helping first home buyers purchase their first home. I know the process can be daunting, but I will guide you through the whole process and I will always be available to answer any questions you might have.

Water’s Edge Finance Solutions provides the highest quality service to its clients, managing solutions for even the most complex loan applications. I will guide you through the entire loan application process, from pre-approval through to post-settlement. A big advantage of choosing Water’s Edge Finance Solutions is that we have access to the majority of lenders and finance institutions (small and large) in the industry. The loan application process can be complex and overwhelming. That’s why water’s Edge Finance prides itself on simplifying this process and making it as stress-free as possible. That way you have more time, energy, and money to make your financial dreams come true.

  • CONVENIENT SCHEDULING

  • 1 ON 1 SERVICE

  • EXPERT TIER CREDIT ADVISOR

Learn More
I aim to provide the highest quality financial services. I know the process of applying for a loan or financial solution can be daunting, therefore I endeavour to guide you through the entire process and I am happy to answers any questions you have along the way.

Waters Edge is dedicated to providing clients with a friendly and professional service that achieves the best possible results for their mortgage needs.

Water’s Edge promises to achieve the best possible result for every client and provide an exceptional 1 on 1 service. I love to see local people and businesses thrive.
I am always up to date with the latest lender events, innovations, and issues in the market so that I can continually achieve the very best results for my clients.
Learn More

Frequently Asked Questions

WHAT DOES A MORTGAGE BROKER DO? 2018-01-02T17:34:10+10:00

Mortgage brokers are professionals in the home loan industry. They work with you to determine your financial needs and help you understand how much you can borrow. Brokers help to ensure that you don’t take out a loan that is not right for your financial circumstances or needs.
Professional mortgage brokers only focus on loans. If you need legal advice, you go to a solicitor who is a specialist in the law. If your pipes are leaking, you go to a specialist in plumbing. It’s the same when you need a loan.
Brokers have access to a wide variety of loans. This means your broker can find a loan that’s just right for you.

DO YOU CHARGE FEES FOR HOME AND INVESTMENT LOANS? 2018-01-02T17:36:32+10:00

Some mortgage brokers charge a fee and some don’t. When you take out a loan via a Mortgage Broker – it does not cost you more. That is an absolute myth. Brokers get paid commission by the bank for bringing new business to them, this does not impact your rate or level of service.
Some brokers charge a fee for their service. They must disclose this fee upfront to you so you know what you will be up for if you engage their services.

DON’T YOU JUST RECOMMEND THE LENDER WHO PAYS YOU THE MOST COMMISSION? 2018-01-11T15:48:52+10:00

The truth is that there is very little difference between the commissions paid by the lenders. You can also rest assured that your interests in this respect are covered by the law. The mortgage and finance industry has legislation called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We are required to present you with a selection of suitable loans from different lenders and tell you upfront what commission we will be getting. Our job, our only job, is to find the best loan for your needs and serviceability.

ISN’T IT MORE EXPENSIVE TO USE A BROKER? 2018-01-02T18:15:45+10:00

Some Brokers charge a fee for their service which they must disclose to you up-front before you engage their services. However, the costs of the loan are the same, depending on the loan you choose.

HOW MUCH CAN I BORROW? 2018-01-02T18:16:13+10:00

This is dependent on how much you have saved for a deposit and what you current expenses are. Give us a call and we can go into your options in more detail, or check out the loan calculator page of our site!

SHOULD I GO FIXED OR VARIABLE? 2018-01-02T18:30:55+10:00

A mortgage broker is only allowed to recommend a product based on what you say is most important to you – for example, “pay my loan off quickly” or “guaranteed repayments”. With regard to interest rates, however, we recommend the following; “if you want the flexibility to take a variable rate loan, if you want repayment certainty to take a fixed rate loan, if you want both, then do both and use a split loan.”

I AM NOT IN YOUR AREA, CAN WE STILL WORK TOGETHER? 2018-01-02T18:42:03+10:00

Sure thing! We are mobile brokers so we can come to you!

WHO SETS INTEREST RATES? 2018-01-11T16:52:59+10:00

The Reserve Bank of Australia meets on the first Tuesday every month to determine the official cash rate for the country. The lenders then use this information to set their own rates. Mortgage brokers do not set rates, but we are often able to negotiate a lower interest for you, than you would receive asking you local bank.

WHY SHOULD I USE A MORTGAGE BROKER IF I CAN GO WITH A BANK? 2018-03-05T18:14:44+10:00

When we talk about a ‘loan product’ we are referring to the thousands of options that are currently available for you for your loan. Each bank (or lender) has loads of different loan options – low doc, package loans, re-draw facilities, plant and equipment loans, fixed, interest only, interested in advance, variable, introductory variable… the issues you face as a consumer is ‘which loan is right for me?’ And that is where a mortgage broker comes in. If you go directly to the bank, you will only be offered the loan options available through that one lender. As your finance broker, we do all the legwork for you. We are across many lenders and all of their loan products and our sole purpose is to find the right loan for your needs.

Specialty Services

Waters Edge Finance Solutions provides the highest quality service to its clients, managing solutions for even the most complex loan applications. I will guide you through the entire loan application process, from pre-approval through to post-settlement. A big advantage of choosing Waters Edge Finance Solutions is that we have access to a large panel of lenders and finance institutions (small and large) across the industry. The loan application process can be complex and overwhelming. That’s why Waters Edge Finance prides itself on simplifying this process and making it as convenient as possible. That way you have more time, energy, and money to make your financial dreams come true.

Home Loans

The fluctuations of the housing market do not always work in your favour. That’s why I am dedicated to researching the housing market and keeping up to date with all of the latest news and trends, so that I can provide you with the most suitable possible home loan options.

Learn More

Refinancing

Refinancing can provide a range of benefits for you, such as: access to lower interest rates, more suitable loan terms, and access to the equity that you have built up in a property (in order to renovate or to purchase an investment).

Learn More

Debt Consolidation

Debt consolidation allows you to borrow a lump sum of money in order to settle several smaller debts. An unsecured personal loan is what most people associate with debt consolidation.

Learn More

Vehicle Finance

Waters Edge Finance Solutions offers a wide range of vehicle finance options including: personal and alternative documentation loans, hire purchases, business leasing, and consumer mortgage loans for individuals.

Learn More

Investment Loans

Investment finance can be used to purchase an investment property.  I will research a range of different options for you to ensure that you are always receiving the most competitive rates.

Learn More

Self Employed Loans

Are you self-employed and worried about not being able to take out a home loan? At Waters Edge Finance Solutions, if you own a small business or are self-employed you can still get a home loan!

Learn More

Client Feedback

“Thank you Kerrie once again for your hard work in helping us refinance. This is the second time we have used your services and as expected, we are thrilled with the outcome. Your hard work, integrity and relatability are second to none, and we would not hesitate to use you again in the future, and will recommend you to our family and friends. It is so nice to be able to trust someone in your industry, and know that such a big life event is in safe hands. Thank you so much!”

Amy Louise

“Thank you Kerrie for making the process of refinancing and consolidating our loans so easy! You worked around our crazy 12 hour work days and were always a phone call away anytime of the day ready to answer all our questions!

Thank you again, we look forward to purchasing our next home in a few years and you will be of course the first person we contact!”

Hayley Gilbert

“I would highly recommend Kerrie if you are looking for finance. She was able to help us at short notice, and was so professional and knowledgeable. Not only did we get our finance, she also saved us money! Thanks Kerrie  

Deb McPhedran

“Thanks Kerrie for sorting out our loan for the second time, so excited settled today! You go above and beyond and should be commended on your customer service, anyone needing help should speak to Kerrie, Can’t wait to start our renovations!! Thanks so much.”

Sandra and Damien Durant

“Thanks so much to the wonderful Kerrie for all your hard work sourcing us a home loan. Kerrie went above and beyond to make this process possible for us.
Highly recommend her to anyone needing finance.
Thanks again”

Megan Adams

“Kerrie has definitely saved us a lot of money by refinancing our home loan. She showed us some great refinancing options, took the time to explain everything and was extremely professional. Highly recommend her services!”

Kristina Mijatovic

“Kerrie has saved us thousands $$ by refinancing our home loan so we could buy a new car! She offers professional service while being friendly and relatable! Highly recommend her services!”

Theresa Becroft

“Kerrie has that friendly service that makes you feel secure, she is one of the loveliest people in our community, but I must say she is a demon when it comes chasing our desired financial outcomes. ”

Peter Evans

“Thank you Kerrie for making the process of refinancing and consolidating our loans so easy! You worked around our crazy 12 hour work days and were always a phone call away anytime of the day ready to answer all our questions!

Thank you again, we look forward to purchasing our next home in a few years and you will be of course the first person we contact!”

Hayley Gilbert

“I would highly recommend Kerrie if you are looking for finance. She was able to help us at short notice, and was so professional and knowledgeable. Not only did we get our finance, she also saved us money! Thanks Kerrie  

Deb McPhedran

“Thanks Kerrie for sorting out our loan for the second time, so excited settled today! You go above and beyond and should be commended on your customer service, anyone needing help should speak to Kerrie, Can’t wait to start our renovations!! Thanks so much.”

Sandra and Damien Durant

“Thanks so much to the wonderful Kerrie for all your hard work sourcing us a home loan. Kerrie went above and beyond to make this process possible for us.
Highly recommend her to anyone needing finance.
Thanks again”

Megan Adams

“Kerrie has definitely saved us a lot of money by refinancing our home loan. She showed us some great refinancing options, took the time to explain everything and was extremely professional. Highly recommend her services!”

Kristina Mijatovic

“Kerrie has saved us thousands $$ by refinancing our home loan so we could buy a new car! She offers professional service while being friendly and relatable! Highly recommend her services!”

Theresa Becroft

“Kerrie has that friendly service that makes you feel secure, she is one of the loveliest people in our community, but I must say she is a demon when it comes chasing our desired financial outcomes. ”

Peter Evans

“Thank you Kerrie once again for your hard work in helping us refinance. This is the second time we have used your services and as expected, we are thrilled with the outcome. Your hard work, integrity and relatability are second to none, and we would not hesitate to use you again in the future, and will recommend you to our family and friends. It is so nice to be able to trust someone in your industry, and know that such a big life event is in safe hands. Thank you so much!”

Amy Louise

“I would highly recommend Kerrie if you are looking for finance. She was able to help us at short notice, and was so professional and knowledgeable. Not only did we get our finance, she also saved us money! Thanks Kerrie  

Deb McPhedran

“Thanks Kerrie for sorting out our loan for the second time, so excited settled today! You go above and beyond and should be commended on your customer service, anyone needing help should speak to Kerrie, Can’t wait to start our renovations!! Thanks so much.”

Sandra and Damien Durant

“Thanks so much to the wonderful Kerrie for all your hard work sourcing us a home loan. Kerrie went above and beyond to make this process possible for us.
Highly recommend her to anyone needing finance.
Thanks again”

Megan Adams

“Kerrie has definitely saved us a lot of money by refinancing our home loan. She showed us some great refinancing options, took the time to explain everything and was extremely professional. Highly recommend her services!”

Kristina Mijatovic

“Kerrie has saved us thousands $$ by refinancing our home loan so we could buy a new car! She offers professional service while being friendly and relatable! Highly recommend her services!”

Theresa Becroft

“Kerrie has that friendly service that makes you feel secure, she is one of the loveliest people in our community, but I must say she is a demon when it comes chasing our desired financial outcomes. ”

Peter Evans

“Thank you Kerrie once again for your hard work in helping us refinance. This is the second time we have used your services and as expected, we are thrilled with the outcome. Your hard work, integrity and relatability are second to none, and we would not hesitate to use you again in the future, and will recommend you to our family and friends. It is so nice to be able to trust someone in your industry, and know that such a big life event is in safe hands. Thank you so much!”

Amy Louise

“Thank you Kerrie for making the process of refinancing and consolidating our loans so easy! You worked around our crazy 12 hour work days and were always a phone call away anytime of the day ready to answer all our questions!

Thank you again, we look forward to purchasing our next home in a few years and you will be of course the first person we contact!”

Hayley Gilbert

“Thanks Kerrie for sorting out our loan for the second time, so excited settled today! You go above and beyond and should be commended on your customer service, anyone needing help should speak to Kerrie, Can’t wait to start our renovations!! Thanks so much.”

Sandra and Damien Durant

“Thanks so much to the wonderful Kerrie for all your hard work sourcing us a home loan. Kerrie went above and beyond to make this process possible for us.
Highly recommend her to anyone needing finance.
Thanks again”

Megan Adams

“Kerrie has definitely saved us a lot of money by refinancing our home loan. She showed us some great refinancing options, took the time to explain everything and was extremely professional. Highly recommend her services!”

Kristina Mijatovic

“Kerrie has saved us thousands $$ by refinancing our home loan so we could buy a new car! She offers professional service while being friendly and relatable! Highly recommend her services!”

Theresa Becroft

“Kerrie has that friendly service that makes you feel secure, she is one of the loveliest people in our community, but I must say she is a demon when it comes chasing our desired financial outcomes. ”

Peter Evans

“Thank you Kerrie once again for your hard work in helping us refinance. This is the second time we have used your services and as expected, we are thrilled with the outcome. Your hard work, integrity and relatability are second to none, and we would not hesitate to use you again in the future, and will recommend you to our family and friends. It is so nice to be able to trust someone in your industry, and know that such a big life event is in safe hands. Thank you so much!”

Amy Louise

“Thank you Kerrie for making the process of refinancing and consolidating our loans so easy! You worked around our crazy 12 hour work days and were always a phone call away anytime of the day ready to answer all our questions!

Thank you again, we look forward to purchasing our next home in a few years and you will be of course the first person we contact!”

Hayley Gilbert

“I would highly recommend Kerrie if you are looking for finance. She was able to help us at short notice, and was so professional and knowledgeable. Not only did we get our finance, she also saved us money! Thanks Kerrie  

Deb McPhedran

Ready to talk?

If you need to purchase and/or refinance your property, an investment loan or vehicle finance, I can assist you with flexible appointments to suit your requirements.

Let’s Talk